The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$88,403
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$91,153
−HK$2,794/mo
Today · 4.125%
HK$93,947
baseline
▲ 0.50% · 4.625%
HK$99,663
+HK$5,716/mo
Deposit HK$19.38M · loan HK$19.38M · min. income ≈ HK$187,894/mo (50% DSR)
Upfront cash ≈ HK$21.03M (deposit + AVD stamp duty HK$1,647,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,348
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$100,985
−HK$2,676/mo
Today · 4.125%
HK$103,661
baseline
▲ 0.50% · 4.625%
HK$109,125
+HK$5,464/mo
Deposit HK$19.38M · loan HK$19.38M · min. income ≈ HK$207,322/mo (50% DSR)
Upfront cash ≈ HK$21.03M (deposit + AVD stamp duty HK$1,647,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,084
−HK$6,652/mo
▼ 0.25% · 3.875%
HK$109,384
−HK$3,352/mo
Today · 4.125%
HK$112,736
baseline
▲ 0.50% · 4.625%
HK$119,596
+HK$6,860/mo
Deposit HK$15.51M · loan HK$23.26M · min. income ≈ HK$225,472/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,647,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,017
−HK$6,376/mo
▼ 0.25% · 3.875%
HK$121,182
−HK$3,211/mo
Today · 4.125%
HK$124,393
baseline
▲ 0.50% · 4.625%
HK$130,950
+HK$6,557/mo
Deposit HK$15.51M · loan HK$23.26M · min. income ≈ HK$248,786/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,647,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,764
−HK$7,762/mo
▼ 0.25% · 3.875%
HK$127,614
−HK$3,912/mo
Today · 4.125%
HK$131,526
baseline
▲ 0.50% · 4.625%
HK$139,529
+HK$8,003/mo
Deposit HK$11.63M · loan HK$27.14M · min. income ≈ HK$263,052/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,647,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,687
−HK$7,439/mo
▼ 0.25% · 3.875%
HK$141,379
−HK$3,747/mo
Today · 4.125%
HK$145,126
baseline
▲ 0.50% · 4.625%
HK$152,775
+HK$7,649/mo
Deposit HK$11.63M · loan HK$27.14M · min. income ≈ HK$290,252/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,647,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,126
−HK$9,978/mo
▼ 0.25% · 3.875%
HK$164,075
−HK$5,029/mo
Today · 4.125%
HK$169,104
baseline
▲ 0.50% · 4.625%
HK$179,394
+HK$10,290/mo
Deposit HK$3.88M · loan HK$34.89M · min. income ≈ HK$338,208/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,647,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,026
−HK$9,564/mo
▼ 0.25% · 3.875%
HK$181,774
−HK$4,816/mo
Today · 4.125%
HK$186,590
baseline
▲ 0.50% · 4.625%
HK$196,425
+HK$9,835/mo
Deposit HK$3.88M · loan HK$34.89M · min. income ≈ HK$373,180/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,647,682 · Scale 2, in force from 26 Feb 2026)